From what I understand, it's not really free -- it's one of those "You automagically get signed up and have to remember to cancel or you get charged for stuff." Has that changed?
Exactly... they're pretty sleazy about that. But unlike some of the horror stories I've read since then, they were very responsive in canceling my subscription after the fact.
I was over 700 by the time we went shopping for a house - by now all the bad stuff has dropped off the page, so I probably have an even higher number. I know it was large enough to get one of my credit cards bumped from $3K to $16K in a half hour last month, so I could use a fixed low-rate balance transfer to pay off that &@)(#*&@*& non-fixed rate second mortgage. Ahhh, going from 7.75% to 2.99%, so nice.
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timeasmymeasure
no subject
Date: 2006-05-16 09:10 pm (UTC)Don't settle for anything less than a reacharound with your 1.5 under prime 30 year fixed rate.
no subject
Date: 2006-05-16 09:16 pm (UTC)no subject
Date: 2006-05-16 09:21 pm (UTC)Despite my last name, I don't know.
no subject
Date: 2006-05-16 09:23 pm (UTC)no subject
Date: 2006-05-16 09:53 pm (UTC)Have lots of outstanding credit (but not too much), but not use more than a few percentage points of it.
Be 100 years old, and have had recorded credit since you were 18 or so.
Have never missed a payment since day one.
no subject
Date: 2006-05-16 09:53 pm (UTC)Don't have asked for any NEW credit in the last 10 years or so.
no subject
Date: 2006-05-17 12:03 am (UTC)no subject
Date: 2006-05-17 12:34 am (UTC)-B
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Date: 2006-05-17 02:27 am (UTC)no subject
Date: 2006-05-17 02:41 am (UTC)no subject
Date: 2006-05-17 02:51 am (UTC)no subject
Date: 2006-05-17 02:53 am (UTC)no subject
Date: 2006-05-17 03:02 am (UTC)no subject
Date: 2006-05-17 03:20 pm (UTC)no subject
Date: 2006-05-17 11:23 am (UTC)no subject
Date: 2006-05-17 01:35 am (UTC)no subject
Date: 2006-05-17 02:47 am (UTC)I was over 700 by the time we went shopping for a house - by now all the bad stuff has dropped off the page, so I probably have an even higher number. I know it was large enough to get one of my credit cards bumped from $3K to $16K in a half hour last month, so I could use a fixed low-rate balance transfer to pay off that &@)(#*&@*& non-fixed rate second mortgage. Ahhh, going from 7.75% to 2.99%, so nice.
no subject
Date: 2006-05-17 05:39 am (UTC)no subject
Date: 2006-05-17 06:07 pm (UTC)